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Traditional utility firms are finding themselves at a crossroads in 2019. One path leads down the road of tradition - with outdated legacy systems, face-to-face collections and antiquated customer service solutions. The other follows close behind the retail banking industry into a digital future whe ...

The Nordic banking model has long been viewed through rose-tinted spectacles, but is that a reputation it truly deserves? Whilst Scandinavian banks might be one of the darlings of the European banking community, such pride often comes before a fall. So, what is the banking and debt landscape actuall ...

Debt collections is a complicated game. In the utility sector it also happens to have something of an image problem. Global concern surrounding energy prices continues to mount, and utility companies are cast as the bad guys in a situation they can’t control.  It doesn’t help that there has been a  ...

In certain circles, AI has something of an image problem. Even though it’s a major step forward in technology, making our lives better in so many ways, there are many out there who still believe that AI is going to steal their jobs. Not only that, but many more simply don’t trust the idea of a machi ...

Though the region is evolving, North African banks are still working to provide a secure and viable path to financial inclusion for all.  Banking the unbanked across North Africa has long been a fruitful opportunity. It is also, however, a lengthy game to play, as banks slowly develop and integrate ...

Non-performing loans (NPLs) are on the rise. New regulations constrain capital usage. And in the background, the lingering effects of the credit crunch still squeeze balance sheets and bottom lines. 

In a press release from mid-June, the European Commission announced that the ratio of NPLs held by EU banks has fallen by more than half since 2014. The 2008 financial crisis led to a sharp uplift in the number of non-performing loans across the continent. And while in some member states high NPL ra ...

Cambodia is a complicated country. The problem of corruption remains rife, with the country scoring 20 on the Transparency International Corruption Perceptions Index (CPI). That’s 6 points above the notoriously corrupt North Korea. The government’s notoriety was cemented recently when Prime Minister ...

As of January this year, the UK was the most disrupted traditional banking market in the world, with 15% of revenue and over a third of new revenue going to new entrants. Traditional banks are obviously fighting back, releasing their own digital solutions. How did this come about? Both of the majo ...

The world of Southeast Asian banking is a digital arms race. This revolution is being driven by a bold fintech startup scene, ever-pervasive e-commerce platforms and the ease of digitalisation facilitated by cloud computing.  With transformational developments perpetually being driven by young and ...